| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.9 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.4 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.3M | $112.7M | $88.5M | $10.0M | $660K | 1.10% | 4.74% | 0.74% |
| Q1 2026 | $121.8M | $111.4M | $86.1M | $9.8M | $310K | 1.05% | 4.63% | 0.50% |
| Q4 2025 | $115.1M | $104.8M | $84.6M | $9.7M | $939K | 0.83% | 4.24% | 0.40% |
| Q3 2025 | $112.5M | $102.6M | $81.9M | $9.5M | $603K | 0.72% | 4.11% | 0.42% |
| Q2 2025 | $114.1M | $104.5M | $80.5M | $9.1M | $305K | 0.54% | 3.95% | 0.44% |
| Q1 2025 | $113.8M | $104.4M | $78.6M | $8.8M | $106K | 0.38% | 3.81% | 0.46% |
| Q4 2024 | $109.2M | $100.1M | $78.1M | $8.6M | $307K | 0.28% | 3.46% | 0.85% |
| Q3 2024 | $110.9M | $99.4M | $77.2M | $8.8M | $175K | 0.21% | 3.42% | 0.93% |
Loan mix (Q2 2026): real estate $71.3M · commercial $6.6M · consumer $11.1M · securities $22.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Woodsfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Woodsfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Woodsfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Woodsfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Woodsfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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